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Google Card, the physical payment card Google is reportedly preparing to rival Apple Card

Credit Card

Meet the Google Card!

After Apple Card, announced last March to great fanfare, Huawei said it would issue a card too. Google has now joined the race among tech companies by announcing a new card of its own.

Illustration showing how an Application Identifier (AID) is used in a chip card transaction

EMV

What is an Application Identifier (AID)?

The AID tells the terminal which applications are present on a chip during a POS or ATM transaction. What does the AID do? It lets the terminal determine whether it supports an application on the chip. In Tag 9F06, it is 5-16 digits long.

Samsung Pay debit card announcement illustration

Payment Systems

Samsung Pay Debit Card is coming!!!!

Major technology companies' love for payment systems shows no sign of ending; in fact, some are just getting started. Apple, Huawei, and Google had previously announced plans to issue cards. According to new reports, Samsung is joining them.

TreeCard wooden bank card made from sustainably sourced cherry wood

Credit Card

Can a card be made from wood?

While the use of physical cards and POS terminals is gradually declining, positive developments continue, such as the world's first wooden card, TreeCard, backed by the search engine Ecosia and aimed at reforesting the world.

Illustration of Host Card Emulation (HCE) enabling contactless mobile payments

Online & Authorization

What Is HCE?

HCE lets a mobile device's operating system emulate the cards we use daily (credit, debit, gift cards, etc.) to make contactless payments via NFC. In other words, our phones behave like the cards we use for payments.

HCE terminology and architecture diagram

HCE

Terms Used in HCE Terminology

When we talk about HCE methodology, many interacting architectural components come to mind. The core terms describing this architecture are listed below, starting with GCM/FCM (Google/Firebase Cloud Messaging), a service for sending push notifications.

Illustration of an AI-based payment agent making payments automatically on behalf of a user

Payment Systems

What Are AI-Based Payment Agents?

Digitalization keeps changing the speed and shape of payments. AI-based payment agents pay on their own within user-defined limits and rules, completing transactions without the user initiating any action. This post explains how they work and what to watch for.

Illustration symbolizing the shift from search engines to AI-driven decision engines in online shopping

Payment Systems

Agentic Commerce Series - Part 2

If users start describing their needs instead of searching for products, one of the internet economy's most fundamental habits could change.

Conceptual illustration of AI agents engaging in online commerce and payments

Agentic Commerce

Agentic Commerce Series – Part 1

The next customer on the internet may not be human. If AI agents become part of purchasing decisions, the rules of e-commerce, marketing, and payment systems could change.

Amazon Web Services cloud computing illustration

Security

Why Is AWS (Amazon Web Services) Preferred?

The number of companies offering cloud computing and storage has grown sharply in recent years. AWS, founded in 2006, is the world's largest cloud computing and storage provider, ahead of Google Cloud, Microsoft Azure and IBM.

Illustration explaining how NFC technology enables contactless payments

HCE

What Is NFC?

NFC, known as Near Field Communication, is a technology that transfers data wirelessly between devices within 10 cm. It is used for data transfer, device pairing, and as the basis of contactless payments.